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Upturn AI SWOT - About
NWG 
Natwest Group PLC (NWG)
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Upturn Advisory Summary
08/14/2025: NWG (5-star) is a STRONG-BUY. BUY since 6 days. Profits (9.29%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14.32
1 Year Target Price $14.32
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 95.85% | Avg. Invested days 63 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 61.22B USD | Price to earnings Ratio 9.54 | 1Y Target Price 14.32 |
Price to earnings Ratio 9.54 | 1Y Target Price 14.32 | ||
Volume (30-day avg) 2 | Beta 0.99 | 52 Weeks Range 8.12 - 15.17 | Updated Date 08/15/2025 |
52 Weeks Range 8.12 - 15.17 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.69% | Basic EPS (TTM) 1.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date 2025-07-25 | When - | Estimate 0.3651 | Actual 0.411 |
Profitability
Profit Margin 35.31% | Operating Margin (TTM) 48.45% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 13.02% |
Valuation
Trailing PE 9.54 | Forward PE 9.36 | Enterprise Value 10327959552 | Price to Sales(TTM) 4.12 |
Enterprise Value 10327959552 | Price to Sales(TTM) 4.12 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 4035500032 | Shares Floating 7999032000 |
Shares Outstanding 4035500032 | Shares Floating 7999032000 | ||
Percent Insiders - | Percent Institutions 4.16 |
Upturn AI SWOT
Natwest Group PLC
Company Overview
History and Background
Natwest Group PLC, formerly Royal Bank of Scotland Group, traces its roots back to 1727 with the founding of the Royal Bank of Scotland. It grew through acquisitions and mergers to become a major global banking institution before facing significant challenges during the 2008 financial crisis. The UK government bailed out RBS, taking a majority stake. Natwest Group has since been restructuring and focusing on its core UK banking operations.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including current accounts, savings accounts, mortgages, and personal loans. It operates under the NatWest, Royal Bank of Scotland, and Ulster Bank brands.
- Commercial Banking: Offers banking solutions to small and medium-sized enterprises (SMEs) and larger corporate clients, including lending, transaction banking, and risk management services.
- Private Banking: Provides wealth management and banking services to high-net-worth individuals and families.
Leadership and Structure
The CEO of Natwest Group PLC is Paul Thwaite. The organizational structure comprises various divisions reporting to the executive committee, overseen by the board of directors.
Top Products and Market Share
Key Offerings
- Mortgages: Natwest offers a range of mortgage products for first-time buyers, home movers, and remortgagers. Natwest holds a significant portion of the UK mortgage market. Competitors include Lloyds Banking Group (LYG), Barclays (BCS), and HSBC (HSBC). Market share data can fluctuate but remains competitive within the UK market.
- number of users: 0
- revenue: 0
- Business Loans: Provides loans and overdrafts to SMEs and larger businesses for various purposes, including working capital, expansion, and acquisitions. Competitors include Lloyds Banking Group (LYG), Barclays (BCS), and HSBC (HSBC).
- number of users: 0
- revenue: 0
Market Dynamics
Industry Overview
The UK banking industry is highly competitive and heavily regulated, with increased focus on digital banking and cybersecurity. The industry is also impacted by interest rates, economic growth, and regulatory changes.
Positioning
Natwest Group PLC is one of the largest retail and commercial banks in the UK. Its competitive advantages include a strong brand reputation and a large customer base.
Total Addressable Market (TAM)
The total addressable market for banking in the UK is estimated to be worth billions of pounds. Natwest Group PLC is positioned to capture a significant portion of this TAM through its various banking operations.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network (although shrinking)
- Diversified business model
- Progress in digital transformation
Weaknesses
- Legacy IT systems
- Past regulatory issues and fines
- Complex organizational structure
- Dependence on the UK market
- High cost base
Opportunities
- Further digital transformation
- Expansion into new markets
- Increased cross-selling of products and services
- Growth in wealth management
- Development of sustainable finance products
Threats
- Increased competition from fintech companies
- Economic downturn in the UK
- Changes in regulation
- Cybersecurity risks
- Brexit-related uncertainties
Competitors and Market Share
Key Competitors
- LYG
- BCS
- HSBC
Competitive Landscape
Natwest Group PLC competes with other major UK banks, as well as smaller challenger banks and fintech companies. The company's advantages include a strong brand reputation and a large customer base, but it faces challenges from legacy IT systems and increased competition.
Growth Trajectory and Initiatives
Historical Growth: Natwest Group's historical growth has been impacted by the 2008 financial crisis and subsequent restructuring. Focus on core UK operations and digital transformation has driven recent growth.
Future Projections: Future growth is projected to be driven by digital banking, increased efficiency, and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, cost reduction programs, and strategic acquisitions.
Summary
Natwest Group PLC is a major player in the UK banking industry with a strong brand and large customer base. Its progress with digital transformation and strategic acquisitions are positives. However, the company faces challenges from increased competition, legacy IT systems, and economic uncertainties. The UK government's remaining stake presents both an opportunity and a potential risk.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Analyst reports
- Financial news sources
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Natwest Group PLC
Exchange NYSE | Headquaters - | ||
IPO Launch date 2007-10-18 | Group CEO & Executive Director Mr. John-Paul Thwaite | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 61651 | Website https://www.natwestgroup.com |
Full time employees 61651 | Website https://www.natwestgroup.com | ||
NatWest Group plc, together with its subsidiaries, provides banking and financial products and services in the United Kingdom and internationally. It operates through Retail Banking, Private Banking, Commercial & Institutional segments. The Retail Banking segment offers a range of banking products and related financial services, such as current accounts, mortgages, personal unsecured lending, and personal deposits, as well as mobile and online banking services. The Private Banking segment provides banking, lending, and wealth management products for high-net-worth individuals and their business interests. The Commercial & Institutional segment consists of customer businesses under business banking, commercial mid-market, and corporates and institutions; and offers banking operations services in the Channel Islands, Isle of Man, Gibraltar, and Luxembourg, as well as products and solutions for businesses comprising start-ups, corporates, and large institutions. The company was formerly known as The Royal Bank of Scotland Group plc and changed its name to NatWest Group plc in July 2020. NatWest Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.
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